Embrace | Pet Insurance Review

4.9

out of 5

Number of reviews 20,325

Embrace Pet Insurance offers nose-to-tail accident and illness protection and an additional Wellness Rewards program. Its diminishing deductible feature, Healthy Pet Deductible™, is included with every policy as standard. Learn more about Embrace’s plan options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
5

out of 5

POSTED: | BY: Deborah

This is such an easy process and you…

This is such an easy process and you walk us through every step. I really appreciate you.
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3

out of 5

POSTED: | BY: Sarah

Technological difficulties

Lately the app and on the website, submitting a claim was has been difficult. The app froze every time I tried to choose the hospital. The same thing happened just now on the website.
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5

out of 5

POSTED: | BY: Donna Hardy

It's very easy to submit a claim and…

It's very easy to submit a claim and reimbursement is pretty quick. The cost goes up every year which I assume is due to my dog being 12 years old this summer.
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5

out of 5

POSTED: | BY: Jonathan Ramos

Reliable and Efficient

We have insured all of our dogs with Embrace Pet Insurance and couldn’t be happier with their service. Filing claims and receiving reimbursements has always been smooth and hassle-free. Recently, we welcomed a new furry family member and immediately insured him with Embrace. The process was quick and straightforward, taking only a few minutes. While the phone lines were a bit busy over the weekend, Morgan provided excellent assistance, ensuring we understood the steps to add our new member. Embrace continues to prove why they’re a top choice for pet insurance—efficient, trustworthy, and backed by great customer service. Highly recommended for all pet owners!
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Monthly Cost

$13 – $100, depending on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible, depending on your chosen plan. The pay-out amount is based on your actual vet bill.

Payout Limits

Annual limit of $2000, $5000, $10,000 or $15,000.

Deductible

Annual deductible options from $100 – $1,000.

Age Limits

Pet must be at least 6 weeks old to enroll. New pets over 14 are eligible for accident-only coverage. Once enrolled, pets can stay insured regardless of age.

Waiting Period

There is a two-week illness waiting period, which begins on your policies’ effective date. Orthopedic conditions have additional Waiting or exclusion periods that vary by state.

Exclusions

Pre-existing conditions are not covered. Hereditary and congenital conditions are covered if they have not been diagnosed or suspected before the policy becomes active. Main plan covers alternative treatments such as chiropractic, acupuncture and homeopathic when provided by a licensed veterinarian. Optional wellness and prescription drug plans are available for an additional cost.
Embrace Pet Insurance detail
Embrace Pet Insurance protects over 100,000 pets across the U.S. with nose-to-tail accident and illness protection. In addition to its pet insurance policy, Embrace offers a Wellness Rewards program to help cover the cost of routine veterinary care, grooming and training. Its Healthy Pet Deductible™, the industry’s first and only diminishing deductible feature, is included with every policy as standard. For every policy sold, Embrace donates $2 to a pet-related charity, as well as offering additional funding and support to shelters and other charitable organizations.
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